I have been with Regions bank for a while now. I was with them when the bank was First American, then Am South and now Regions. I have free checking and just finished refinancing my home with a 7 year mortgage at 2.5%. Regions paid all the closing costs and this refinancing is a result of them calling me to offer this improved rate. The representative that helped me through this process was awesome! I just got off the phone with another Regions representative that was helping me with a credit to my account after I withdrew $20 from an ATM and then drove off without it. No problems there either, he was extra helpful and my account has been credited. After reading all of the negative reviews I'm totally baffled by the experiences everyone else seems to be having. I must have some good mojo with this bank. I have never considered switching and won't as long as I continue to receive what I think is unbeatable service! And this review isn't specific to any certain bank in Knoxville TN. All the representative have been great. The lady at the driver through on Central always remembers me and Linda Majors at the Cumberland Branch is awesome!